Date Received: 2017-08-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX, 2017 My complaint is against Nationstar Mortgage, LLC. f/k/a XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX AKA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX. On XXXX XXXX, 2017, our mortgage for Loan # XXXX was paid in full and said mortgage was satisfied, based on a payoff statement supplied to us by Nationstar which balance was confirmed verbally as well over the phone after numerous phone calls. I am sure the calls are recorded and I have cell phone records. At the time, we paid off the mortgage on XXXX XXXX, 2017, an escrow overpayment was owed to us in the amount of {$1600.00}. We received a refund check from Nationstar for the escrow over payment. Our bankruptcy ended and we made our final plan payment to the Trustee on X/X/17. This payment was sent to Nationstar on X/X/17 per the trustees register, well after we paid off the mortgage and after the escrow refund was mailed to us so it is an overpayment that is due to us as it is money we overpaid to Nationstar after the loan account was paid off. I called consistently to see if they had received these funds from the trustee and it did not arrive in their hands until X/XX/17, one day after our bankruptcy was discharged. According to the courts, the mortgagors are not allowed to charge us any fees after the bankruptcy has ended and they have received the final plan payment. Nationstar AKA XXXX XXXX XXXX has purposely charged corporate advance fees in the month of XXXX, after our bankruptcy had been discharged by the courts and after they had been put on notice legally that there are to be no more fees, to defraud us of and keep the final plan payment that was sent to them by the Trustee. They did this even after confirming on the phone numerous time with me that the money would be sent back to us once it was received from the Trustee since the loan was paid off and it was an overpayment. If there were additional fees, Nationstar had the opportunity to disclose those in the payoff letter, but they did not and until the bankruptcy was discharged on X/XX/17, Nationstar was required by law to submit a claim to the courts for any fees, however they still could not have done so after the mortgage was satisfied on X/XX/17. They are in violation of the bankruptcy discharge order and if this matter is not resolved through this channel I will have no choice but to file an injunction against them for this violation. Furthermore, once a loan is paid in full, a mortgage company cant legally come back and ask for more money or charge you more fees, otherwise all the banks would be abusing this practice. I have attached a letter from Nationstar that they sent me stating that my loan was paid in full on XXXX XXXX, 2017. How can they then, in XXXX, charge me more fees to grab and pocket an overpayment they received from the courts? I have attached : 1. The letter from Nationstar stating our loan is paid in full. 2. The court disbursement register showing the final payment mailed to XXXX XXXX XXXX on X/X/17 which Nationstar confirmed they received at the end of XXXX on the phone with me verbally. ( I called consistently all during XXXX and they had not received it yet ). These are the funds owed to us. 3. The discharge order showing our bankruptcy was discharged on X/XX/17. There are to be no more fees.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2017-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I just got a loan modification effective XXXX XXXX, 2017 and by XXXX Nationstar claimed I was in default. Charged unnecessary and excessive legal fees, property inspection fees ; stacked late charges and fees every month and would not accept proper payments ; Kept perpetuating to make me go 90 days delinquent so they could accelerate balance due.
Company Response:
State: AZ
Zip: 85257
Submitted Via: Web
Date Sent: 2017-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This reason I am filing this complaint is to request an investigation into Nationstar Servicing and XXXX XXXX XXXX mortgage companies reporting incorrect information into my credit file. My credit report should show first date of delinquency in the month of XX/XX/XXXX. Instead the mortgage companies are reporting the incorrect year of XX/XX/XXXX, to re-Aged the account " Running of Reporting Period ''. I have attach two of my mortgage billing statement that shows my account first date of delinquency is in the month ofXX/XX/XXXX. I am requesting that Nationstar Servicing and XXXX XXXX XXXX correct the fraudulent information they have report into my file ASAP.
Company Response:
State: LA
Zip: 70058
Submitted Via: Web
Date Sent: 2017-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The Borrower is in Chapter XXXX Bankruptcy. The Order for Loss Mitigation was XX/XX/XXXX. The loss mitigation application was submitted to Nationstar on XX/XX/XXXX. The borrower was denied on XX/XX/XXXX without sending the paperwork through the XXXX XXXX XXXX per the Bankruptcy Court Order and Nationstar did not provide any of the guidelines or explanation of underwriting requirements that prevented the loan modification.
Company Response:
State: NJ
Zip: 07753
Submitted Via: Web
Date Sent: 2017-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: See the attached " pdf '' files. Essentially Nationstar is either intentionally, or through sheer incompetence, preventing us from using their online services. My wife and I are both over XXXX years of age. Nationstar 's discriminatory behavior is prohibited by federal and state statutes. Nationstar must correct their Information Technology Systems to allow us to use their web-based tools to manage our loan just like all their other mortgage loan customers. My letters and phone calls have gotten no results although Nationstar 's employees have repeatedly told me they would fix the problem. Our loan was transferred to Nationstar effective XXXX-XXXX-17 and at this date, we have been unable to access our loan file using the Internet.
Company Response:
State: CO
Zip: 80109
Submitted Via: Web
Date Sent: 2017-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: 1. XXXX XXXX XXXX - Over 5 Year working on my case trying to modify. Ended my wife in bankruptcy in XX/XX/XXXX, but nothing else happened. 2. Changed Attorney - Tried to talk with the bank again, but I also ended doing bankruptcy in XX/XX/XXXX. 3. An attorney contact me that he can try to help me even when I already did my bankruptcy and started a new modification on XX/XX/XXXX, but it was denied. Ended up in a foreclosure date XX/XX/XXXX, and my attorney recommend another bankruptcy to stop the sale, and force the bank to do a modification thru the court trustee. I paid for several months to show them I 'm serious about the modification. On XXXX we had a telephone mediation with my attorney, the mediator and the bank representatives. Ended in a denial of the modification again, and told us, the investors do n't accept modifications, nor short sale, just foreclosure. 4. A sale date has been set for XX/XX/XXXX. Last chance I have to save my home. The reason I 'm behind, is because I do n't have the same revenue and my wife got XXXX. Thanks for your help,
Company Response:
State: FL
Zip: 33177
Submitted Via: Web
Date Sent: 2017-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX of 2016, Nationstar changed my monthly mortgage amount. Because I was traveling, my bank recurring payment was sent out in the usual amount which was about {$170.00} short of the new amount. Nationstar proceeded to credit my XXXX payment to principal rather than my monthly payment. They recorded my payment as never made for that month. As soon as I realized the error, I called Nationstar Customer Support. I followed up numerous time in XXXX, XXXX and XXXX of 2016 to rectify the situation. Each time I was assured that it was their error in applying it to principal and that they were processing the paperwork to fix it. They then gave me the amount that I needed to pay to resolve everything : {$3600.00} and that was paid on XX/XX/16. Since then, I have called many times, and the payment that they misapplied to principal has never been rectified. Support Reps admit that it was their error and promise the resolve it, but they never do. Because of this error in applying it to principal, they have now charged me over {$1000.00} in late fees. In recent months, I have asked to speak with Managers ; they assure me that they will call me back the next day with a resolution, they never call back. They give me their phone numbers and names to call ( XXXX XXXX ) and no one picks up. It has now been almost a year since the problem began and I have no resolution despite every person I speak to admitting that it was a Nationstar error. I have bank records to show that I have NEVER missed a mortgage payment in more than 10 years. In researching this online, I have found that Nationstar has MANY complaints in various states from other consumers like me where they misapply payments, then put the customer 's home into foreclosure. I have tried for almost a year to resolve this with them to no avail. I need help.
Company Response:
State: RI
Zip: 02906
Submitted Via: Web
Date Sent: 2017-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: A claim was filed with the insurance company in XX/XX/XXXX to replace the roof on the home. The adjuster provided payment to the mortgage company in XX/XX/XXXX. As of XX/XX/XXXX the mortgage company refuses to provide to the contractor in order to make the approved repairs. The mortgage company has deposited the funds, collecting interest on the funds, and risking further damage to the home by not releasing adequate funds for repairs.
Company Response:
State: TX
Zip: 78610
Submitted Via: Web
Date Sent: 2017-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Nationstar has filed foreclosure without standing or jurisdiction. Nationstar has knowingly and repeatedly demanded payment for a debt they know is not due. Nationstar filed foreclosure relying on a nonnegotiable instrument. Nationstar filed foreclosure when it does not have a right to enforce the Mortgage. Nationstar breached any and all contractual obligations and is liable to me for damages. Nationstar did not acquire legal title to the note and is not a bona fide holder or purchaser for value. Nationstar is liable to me for breach of contract. Nationstar has committed fraud and is continuing to pursue a claim which it knows is not valid. Natoinstar has violated TCPA on multiple occasions. Nationstar has violated FDCPA and continues to do so. Nationstar has filed false credit reports. Nationstar charged for an home inspection that did not occur.
Company Response:
State: FL
Zip: 32953
Submitted Via: Web
Date Sent: 2017-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We pay our mortgage every month, and are charged {$14.00} every month. Seems every 5 year our mortgage company changes to someone else, and our mortgage payoff for our house never changes. We 've been here 10 years on a 20 yr loan. XXXX XXXX, and Nation Star, and now someone else is taking over the loan called XXXX XXXX XXXX???? They charge us {$14.00} on their automation to make payment, but if you talk to someone, it 's more. ?????????
Company Response:
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2017-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A